Klarna (KLAR): FY26 Q2 earnings call, Aug 18, 2026
On its Aug 18, 2026 earnings call (FY26 Q2), Klarna said 12 of the 22 words Kalshi and Polymarket listed; Parrot’s count agreed with all 22 settlements. Quotes below are at most 25 words each.
UpdatedMarkets
22 words · 12 settled yes · our count agreed on 22 of 22- Kalshi: company speakers + operator
Kalshi - Polymarket: anyone
Polymarket
backtest The probabilities on settled rows are a walk-forward backtest: the model as of before each event, computed after Parrot went live; they were not published at the time.
| Word | Result | Our count | All speakers | Agrees | Probability | Market |
|---|---|---|---|---|---|---|
| Dollar 30+ times | Yes | 113 | 113 | ✓ | 72%transcripts from the transcript model | – |
| Percent 40+ times | Yes | 94 | 94 | ✓ | 65%transcripts from the transcript model | – |
| Card 10+ times | Yes | 21 | 21 | ✓ | 63%transcripts from the transcript model | – |
| Payment 5+ times | Yes | 13 | 13 | ✓ | 60%transcripts from the transcript model | – |
| Delinquency | Yes | 4 | 4 | ✓ | 78%n=1+tx from settlement history blended with transcripts | – |
| JP Morgan Payment | Yes | 2 | 2 | ✓ | 39%transcripts from the transcript model | – |
| Sweden | Yes | 2 | 2 | ✓ | 26%n=1+tx from settlement history blended with transcripts | – |
| Bank | Yes | 1 | 1 | ✓ | 83%transcripts from the transcript model | – |
| Walmart | Yes | 1 | 2 | ✓ | 70%transcripts from the transcript model | – |
| Profitability | Yes | 1 | 1 | ✓ | 60%n=1+tx from settlement history blended with transcripts | – |
| Tailwind | Yes | 1 | 2 | ✓ | 60%n=1+tx from settlement history blended with transcripts | – |
| Headwind | Yes | 1 | 1 | ✓ | 26%n=1+tx from settlement history blended with transcripts | – |
| AI / Artificial Intelligence | No | 0 | 0 | ✓ | 75%n=1+tx from settlement history blended with transcripts | – |
| Credit Quality | No | 0 | 0 | ✓ | 65%n=1+tx from settlement history blended with transcripts | – |
| Apple Pay | No | 0 | 0 | ✓ | 62%transcripts from the transcript model | – |
| Gemini | No | 0 | 0 | ✓ | 47%n=1+tx from settlement history blended with transcripts | – |
| Headcount | No | 0 | 0 | ✓ | 42%n=1+tx from settlement history blended with transcripts | – |
| Inflation | No | 0 | 0 | ✓ | 26%n=1+tx from settlement history blended with transcripts | – |
| Crypto | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – |
| Banking License | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – |
| PriceRunner | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – |
| Southwest Airlines | No | 0 | 0 | ✓ | 18%transcripts from the transcript model | – |
Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 21, 2026 04:22 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
13 matches for “Payment”; 5 quoted, at least 25 words apart.
…business areas, which cover the entire consumer wallet. Everyday spend with the payment option of Pay in Full for purchases under $75 with high frequency.…
…this quarter, and subscriptions reached 2 million subscribers. Lifestyle Spend or Pay Later is the payment option for purchases between $75 and $500 a purchase.
…consumers actually want: cashback and benefits. In May, we told you JPMorgan Payments would launch later this year. It went live on August 6th, ahead…
…scale five significant integrations, JPMorgan, Adyen, Worldline, Worldpay, now part of Global Payments, and Fiserv's Clover. We are excited about the launch of the Apple…
…million-$15 million. The Q3 will be the highest level on the share-based payments in 2026, reflecting our vesting and our grant of our annual compensation…
Where the listed words were said
…the second consecutive quarter. Revenue grew faster than volume and transaction margin dollars, which is our most important metric, grew faster than both. Volume was…
…reason why our book turn is 10x a year. Pay Later grew 13% this quarter. Big-Ticket Spend or Fair Financing, which is designed for purchases…
…term with a known payoff date, against a $6,700 average American credit card balance, which again, reflects the fact that our customers borrow responsibly. We…
…with a wider network, five PSPs enabling Klarna as a default on payment option, our leasing program, and a structurally higher margin mix. We measure…
…ability to grow engagement, RPAC, and profitability. Consumer credit keeps performing better. Delinquencies improved again this quarter, and provisions have declined as share of volume…
…on the maturity of the market right now, what we're seeing. In Sweden, where there is deep penetration and usage of Klarna, you're seeing very…
Your next question comes from Matthew O'Neill from Bank of America. Please go ahead.
…that but have seen a fantastic adoption rate, and we previously announced Walmart, now we are announcing Apple, so we are seeing lots of great…
…of the Q2 2025 Fair Financing launch and less of an FX tailwind than the Q1. GMV growth was broad, and we delivered growth in…
…volume side, that's then really turning into strong TMD performance into H2 as well, with then a bit of headwinds on the FX from that.
Agents: this page as TSV at /api/v1/appearances/klarna:2026-08-18:earnings_call · words: /api/v1/brief?appearance=klarna:2026-08-18:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP